DONALD DOWNES

I’m an AML compliance professional specializing in quality operations, built and ran the QC program across 3 simultaneous sponsor-bank and payments partner programs at Intuit. I owned crypto UAR filings to Bitcoin custodian NYDIG and led SAR/UAR investigations, KYC/EDD reviews, transaction monitoring dispositions, and sanctions/OFAC screening alert referrals—earning zero audit findings across 3 independent reviews. I’m CAMS and CFE certified, fintech-native, and remote-capable.

I ran a QC sampling program that reviewed all SAR/UAR investigations and dismissals for accuracy of determinations, narrative quality, regulatory completeness, and threshold application ($5K suspect-known, $25K unknown). I authored the full program SOP and job-aid library, cold-read tested and auditor-ready, and I responded directly to banking partner audit inquiries and regulatory exam requests. I also conducted EDD and periodic account reviews on high-risk customers, while managing escalated OFAC/sanctions alerts and FinCEN 314(a) requests with documented escalation protocols.

As Sr. Compliance Program Manager (Strategic Escalations), I governed a team of 6–10 Risk Operations investigators and delivered the quarterly program-health dashboard to the board. My earlier experience includes authoring SAR-ready narratives as a Junior SARs Analyst, plus investigative and compliance work as a BSA/AML Compliance Analyst II contract role at Bank of America. I bring an “auditor-ready” mindset and a focus on controls that stand up to scrutiny.